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When it comes to “special offers” on credit cards, nothing gets quite as much attention as a “0% balance transfer.” And while not all promotions are built alike, there are some that go above and beyond.

Having a good credit score can help you land lower interest rates and qualify you for home loans, auto loans and credit cards. If you have a bad credit history, it might hold you back from being able to accomplish your financial goals. However, there are steps you can take to improve your credit history and meet your goals.

Credit cards are an inevitable reality in today’s financial world. We’ve outlined a few of the reasons why some people might genuinely need a credit card—versus some reasons it might be in your best interest to skip applying.

The winter holidays are a fairly common time of year for consumers to tack on extra credit card debt—so what can you do to manage this inevitable debt come the season for shopping? Here are a few things to keep in mind.

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